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Latest Mortgage Rate and Trend
The advantage of working with a mortgage broker versus a bank is choice
John Aguirre has access to multiple lenders, allowing us to search the loan market for you to get the best deal possible
CURIOUS WHAT LOAN TERMS MAY BE AVAILABLE TO YOU?
Understanding Mortgage Rates
Mortgage rates are influenced by various economic factors including the Federal Reserve's policies, inflation, and the overall health of the economy. At Elite Mortgage Solutions, we monitor these factors daily to provide you with the most competitive rates available. Your personal rate will depend on several factors including your credit score, loan amount, down payment, and loan term. We offer personalized rate quotes that take all these factors into account to give you an accurate picture of what to expect.
Your personal rate will depend on several factors including your credit score, loan amount, down payment, and loan term. We offer personalized rate quotes that take all these factors into account to give you an accurate picture of what to expect.
Fixed-rate mortgages provide stability with consistent payments
Adjustable-rate mortgages may offer lower initial rates
Government-backed loans often have competitive rates for qualified buyers
Rate lock options protect you from market fluctuations
Understanding Mortgage Rates
Mortgage rates are influenced by various economic factors including the Federal Reserve's policies, inflation, and the overall health of the economy. At Opus Dei Mortgage, we monitor these factors daily to provide you with the most competitive rates available. Your personal rate will depend on several factors including your credit score, loan amount, down payment, and loan term. We offer personalized rate quotes that take all these factors into account to give you an accurate picture of what to expect.
Your personal rate will depend on several factors including your credit score, loan amount, down payment, and loan term. We offer personalized rate quotes that take all these factors into account to give you an accurate picture of what to expect.
Fixed-rate mortgages provide stability with consistent payments
Adjustable-rate mortgages may offer lower initial rates
Government-backed loans often have competitive rates for qualified buyers
Rate lock options protect you from market fluctuations
Factors That Affect Your Mortgage Rate
Several key factors influence the interest rate you'll qualify for. Understanding these can help you position yourself for the best possible rate when applying for a mortgage. Your credit score is one of the most significant factors. Generally, borrowers with higher credit scores qualify for lower interest rates. The loan-to-value ratio (LTV) - the amount you're borrowing compared to the home's value - also plays a crucial role.
Credit score and history
Loan-to-value ratio
Debt-to-income ratio
Loan term (15-year vs. 30-year)
Factors That Affect Your Mortgage Rate
Several key factors influence the interest rate you'll qualify for. Understanding these can help you position yourself for the best possible rate when applying for a mortgage. Your credit score is one of the most significant factors. Generally, borrowers with higher credit scores qualify for lower interest rates. The loan-to-value ratio (LTV) - the amount you're borrowing compared to the home's value - also plays a crucial role.
Credit score and history
Loan-to-value ratio
Debt-to-income ratio
Loan term (15-year vs. 30-year)
Rate Lock Strategies & Timing
Timing your rate lock can significantly impact your mortgage costs. A rate lock guarantees your interest rate for a specific period, typically between 30-60 days, protecting you from market increases while your loan is processed. We recommend locking your rate when you find a property and have an accepted offer. However, if rates are trending downward, you might consider a float-down option that allows you to secure a lower rate if market conditions improve before closing.
Standard rate locks (30-60 days)
Extended locks for new construction
Float-down options for falling rate environments
Lock-and-shop programs for competitive markets
Rate Lock Strategies & Timing
Timing your rate lock can significantly impact your mortgage costs. A rate lock guarantees your interest rate for a specific period, typically between 30-60 days, protecting you from market increases while your loan is processed. Lock recommendation will always change with different markets and that's why it's paramount to work with a team that understands the ebbs and flows like Opus Dei Mortgage.
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